Feb 03

3 Things to Know About Long-Term Care Insurance

Insurance Long TermDoes your financial plan take into account all of the possibilities regarding your health and your ability to care for yourself in the future? Most people don’t think twice about insuring their possessions, or protecting their families with a life insurance product. Yet many pass on the opportunity to purchase long-term care insurance, hoping they will be fortunate enough to avoid the need for costly extended care in their lifetime or believing they will somehow manage with their own resources if they do require it. Here are three reasons it makes sense for some people to consider investing in a long-term care insurance policy.

There’s a good chance you’ll need some form of long-term care. According to the Department of Health and Human Services, 70 percent of Americans age 65 today can expect to need long-term care services of some kind before they die. People generally also are living longer, having smaller families and saving less than previous generations. All of these factors point to a stronger possibility that if a need for care arises in the future, many of us may not have sufficient resources to manage on our own.

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Feb 03

How a Nursing Home Liability Brought Sunshine to Retirement

Nursing Home LiabiltySpunky.

That’s the word you could use to describe the eighty plus woman living in the aging facility. There would have to be a few more adjectives added to really do her justice. How about youthful? Fun loving? Adorable? Life of the party? Saintly? Yes, those and more could have accurately described Fay Sunnenshine.

But let’s start from the beginning.

When Fay’s children accompanied her for a preliminary visit to the aging services facility, the admission staff was doubtful. Here was a smiling woman that clearly presented a fall risk. The claim control department had a hard time allowing her residency.

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Feb 03

Taking The Mystery Out Of Long-Term Care Insurance

Insurance 9Here’s the good news: with improvements in medical technology and healthier lifestyles, people are living longer. Life expectancy today has increased to 83 years, up from 78 years in 1940 (The Shopper’s Guide to Long-term Care Insurance from the National Association of Insurance Commissioners).

However, the longer people live, the greater the chances they will need assistance due to chronic health conditions. Today, about 12.8 million Americans of all ages require some type of long-term care (National Academy on Aging, 1997). This number is expected to climb as the baby boomer
generation moves into retirement. Over a lifetime, nearly 50 percent of all people will require some type of long-term care assistance.

One way to pay for some or all of your long-term care expenses is insurance. First introduced in the 1980s, long-term care insurance was originally designed as nursing home insurance. Today’s long-term care policies now cover much more. They include home health care, assisted living facility care,

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Feb 03

Cut Business Insurance in 8 ways

Insurance 101. Comply with recommendations from company engineers and loss control. Naturally, the company will be more favorable to their customers who help keep losses down.

2. Voluntarily take steps to eliminate hazardous conditions and create a safe environment any company would want to insure. And safeguard your property to reduce the risk of theft and damage. This puts you in a position of deserving the lowest rate possible.

3. Make a list of the actions you’ve taken to reduce your risk. I’ll be able to use that list to negotiate your rates.

4. Minimize your claims. The businesses that will get the highest rate increases, or not be able to get insurance at all, will be those with frequent small losses or who ignored loss control recommendations.

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Jan 15

5 Important Things Every Condo Should Have

oostergast1The demand for condos is still high and a good number of developers are making them available to meet with the market demands. New condos come with better amenities, units and benefits and they are not really equal. Some are better than others, but there are things or features that you can use to be sure that the condo you are interested in is really worth the money you are going to spend on it.

1. Good location

To many people, location seems like a cliché but it is something that still remains to be very important. If you are looking at a long time investment with your condo, then you cannot afford to overlook the location. The location should work in terms of family needs, culture, career and relaxation. In essence, a good condo will be located in the area that you love and one that is most convenient for you.

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Jan 05

Condo Living Versus Single Family Homes – What Is a Better Investment?

oostergast2Many who find themselves on the hunt for luxury homes fail to consider a condominium. In 2015, condos offer much more than a glorified apartment feeling as they have in the past. They certainly raise the bar when it comes to house hunting. One can achieve everything within a condo that they can in a detached home, and realize many more benefits than imagined.

Choosing a condo instead of a luxury home that’s built for a single family is actually a smart decision. It pays to explore the advantages in order to make an informed decision as to what will work best for one’s personal living arrangements and their choice of lifestyle.

Less Maintenance

Owning a luxury home is stressful. As the sole owner, one is responsible for all upkeep including painting both indoors and out, landscaping, snow plowing, and all sorts of repairs. A condo is also an investment, but much of the repairs worries are eliminated and covered by condo fees.

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Jul 25

Joliet Real Estate Market Report

Welcome to our Joliet IL Real Estate site. Utilize our website to hunt all accessible Joliet property postings, view particular Joliet IL subdivision data, and find out about zone schools and stops. Joliet, Illinois, found 40 miles south of Chicago, is at present the second biggest city in the state. Joliet is one of the most seasoned urban areas in Illinois; the downtown Joliet region has a substantial historically significant area with delightful homes of different compositional styles worked after the mid-1800s. Joliet Real Estate Market gets posting of new homes of an average value of 1,400 a year. The Joliet real estate includes an assortment of real estate alternatives from withdrew single family homes and multifamily residences to connected apartment suites as well as townhouses. The Joliet single-family real estate market values range from $75,000 to over $1.5 million. Joliet apartment suites and townhouses range from as low as $100,000 to over $300,000. With its populace of more than 150,000 occupants, Joliet stays one of the quickest developing urban areas in Illinois and the United States.

Homes available to be purchased in Joliet

Joliet Real Estate comprises of single-family homes, apartment suites, and townhomes, as well as multi-family, business, and empty area for either business or private advancement. The Joliet private market has more than 50,000 homes with an average sale cost between $200,000-225,000. Joliet business real estate shifts in part size and zoning, and is quickly developing. As said before, more than 90% of gaming income is returned to the city through our neighborhood change program, monetary improvement program and different projects like those. Joliet empty real estate right now goes in cost from roughly $15,000 – 100,000 for between .25 to .49 sections of real estate to over $5 million for a little more than ten sections of real estate. The Joliet Real Estate Market proffers a wide assortment of real estate and improvement opportunities.

Joliet is likewise a key transportation center point with simple access to I-80, I-55 and future augmentation of I-355 (planned for fruition in November of 2016), Route 52, Route 53 and Route 59, and also the comfort of Metra Rail and Amtrak administration.

Notwithstanding being an awesome spot to live, Joliet is additionally an incredible spot to play. A huge number of individuals visit Joliet every year to look at the two gambling clubs, NASCAR Track, and NHRA drag strip. Gambling club gaming income has permitted the city to tackle extends at no other time thought conceivable. More than 90% of gaming income is returned to the city through our neighborhood change program, financial advancement program and different projects like those. Joliet is additionally known for its delightful baseball stadium, Water Park, library and historical center. Joliet is the trailblazer with regards to supporting nearby schools.

Built up in 1922, the Joliet Park District gives an assortment of exercises to the entire family and also owning and working more than 50 park locales. The Forest Preserve gives miles of interlinking trails that crosswise Will County and gives satisfaction to open-air aficionados. These trails permit explorers, bicyclists, in-line skaters, joggers, equestrians, and cross-country skiers sheltered, grand trials on which to work out.

Notwithstanding its helpful area, Joliet offers an awesome shopping zone on the west side of town with its celebrated Westfield Louis Joliet Mall with its assortment of shopping choices, easygoing to fine eating, and novel shopping choices for an all-around adjusted recreational experience.

Purchasing or Selling Your Home in Joliet?

If you are contemplating purchasing or offering your home in Joliet or any of the encompassing groups, we are here to offer assistance. Demand a FREE tantamount business sector investigation (CMA) and we will furnish you with an appraisal of your home’s estimation in today’s business sector. We have a solid advertising effort for our postings and a focused commission rate. Call us and we will be upbeat to impart the points of interest to you. If you have any inquiries regarding Joliet Real Estate Market or real estate by and large and might want to set up an arrangement to talk about your real estate choices.

 

Jul 20

Reasons Why You Need a Residential Real Estate Agents for Purchasing of Properties

When buying a new home, legally you do not need a buyer agent. However, people still choose to get agents to help them out when buying a new home. Why should you get an agent? There are many important reasons, some of which you may not be aware of.

Conflict of Interest

If you talk to a seller’s agent, he is likely to tell you that you don’t need an agent. The problem is that the seller telling you that is probably going to get a percentage of the sale of the property. This is obviously susceptible to conflict of interest.

Real estate agents will be bound by fiduciary rules as required by the law. A seller’s agent is supposed to do everything to the advantage of the seller. A buyer’s agent is equally required to do all that is to the benefit of the buyer. Without an agent on your side, you are obviously disadvantaged.

It is true that real estate agents may not always be honest. Professional agents however have a lot to lose for lack of honesty. He can lose his license if it is found that the broker did not act to the best interest of his client. A loss of reputation alone is enough for him to lose his business.

Get the Right Home on Time

If you don’t have an agent getting access to homes is not easy. Most homeowners are not comfortable having people who are not licensed agents, walking in and out of their homes whenever they want. So as a buyer you have to wait for open homes.

The problem with open homes is that you will be walking into these houses with many other buyers. You’ll be constantly faced with a lot of competition. Real estate agents have access to homes earlier than most buyers. You can get to see a home before it is heavily promoted in the market. With a broker you are never too late to miss a good opportunity.

Contracts

A buyer agent is required to work for you and ensure that the deal works in your favor. When it comes to handling contracts, your local agent has expertise. He has worked with similar contracts and can anticipate pitfalls. Buyers can sometimes lose money when they fail to meet certain terms and conditions. A professional broker will walk you through the process of signing a contract and point out problems that you may face as a buyer.

Direct negotiations between the buyer and the seller, or the buyer and the seller’s broker can be susceptible to emotional obstacles. Often, a buyer may rub the seller’s feelings the wrong way and the seller may opt not to sell by virtue of that fact. A broker will help insulate you from emotional influences. He can communicate your concerns in a professional manner that will not be taken personally by the seller.

Expertise

When it comes to knowledge of the properties in your local area, no one knows better than a professional agent. Their career is dependent on how well they know the market and viable real estate solutions they can find for their clients. Their business is also driven by a good reputation. An agent’s job is to keep their nose on the ground for lucrative properties.

If you choose to buy the property directly, you’ll still find you need to hire professionals. You may need a legal representation or a breakdown of financing options. Because agents network, they can give you good recommendations based on your requirements. You don’t have to run up and down trying to put all these things together. An agent can help at no cost on your part.

Written by the experts at Columbia Real Estate, the most knowledgeable agents for real estate in Columbia, MO.

 

Jun 28

Fort Worth Housing Market

The number of inhabitants in the Fort Worth is evaluated at roughly 2.2 million as of the present date, up 44,450, or 2.1 percent, yearly since the April 2015 Census. Somewhere around 2000 and 2016, the populace developed by a normal of 42,550, or 2.2 percent, every year. Populace development in the HMA was most grounded from 2006 through 2009, when the populace expanded at a yearly normal of 50,100, or 2.5 percent. Lately, increments in the His frenzy populace have fundamentally impacted populace development in the Fort Worth. As per information from the Census Bureau, the Hispanic populace expanded from 312,100 in 2000 to 532,800 in 2010, a normal addition of 22,100 yearly, representing around 52 percent of the aggregate populace development in the Fort Worth amid that period.

The Fort Worth Housing Market profits from its closeness to Dallas. Roughly 18 percent of the general populations who live in the Forth Worth drive to work in the Dallas zone, which had huge livelihood development amid the previous 2 years. The Fort Worth has developed as a room group for the Dallas territory since it offers moderately more reasonable housing. The normal home deals cost in the Dallas zone is 50 percent higher than the normal deals cost in the Fort Worth.

Net characteristic change (occupant births less inhabitant passings) represented roughly 47 percent of the populace development in the Fort Worth amid the 2000s. Net in-relocation is relied upon to normal 24,900 individuals every year amid the following 3 years, and aggregate yearly populace increases are required to normal 46,000 individuals, or 2 percent, up to around 2.3 million individuals as of September 1, 2014 the populace change in the Forth Worth grow from 2000 to the estimate date

The Fort Worth Housing Market is as of now delicate, with an expected 1.9-percent deals opportunity rate. There were7,875 new and existing single-family homes were sold amid the 12-month time span finishing August 2015, down 11 percent contrasted and the 8,825 homes sold amid the past 12 months. The normal number of homes sold amid the crest years of 20015 through 2016 was 11,300. The normal deals cost of a solitary family home in the Fort Worth expanded by roughly 3 percent to $143,700 amid the 12 months finishing may 2016 contrasted and $140,000 a year prior. The accessible of new and existing homes in the Fort Worth Housing Market will be easy from 7 to 12 months that means in August 2017, an expansion from the 6.6-month normal supply amid the same time frame a year prior. As indicated by LPS Applied Analytics, amid the 12 months finishing August 2015, 5 percent of the advances in the Fort Worth were named 90 or more days reprobate, in abandonment, or in REO (Real Estate Owned), down from 5.5 percent amid the same time frame a year prior. New home development, as measured by the quantity of single-family building licenses issued, totaled around 4,450 homes allowed in the Fort Worth amid the 12 months finishing August 2011, a decrease of 20 percent contrasted and the quantity of grants issued amid the past 12 months, in light of preliminary information. Current home development levels are around 33% of the normal of 13,300 homes allowed every year from 2014 to 2015 the quantity of single-family building licenses issued in the Fort Worth from 2000 to the present date.

Gallery Place Condominiums in the Fort Worth Cultural District was finished in 2016 and has 35 units with deals costs extending from $299,000 to $750,000. Development of Mira Mesa, a fresher subdivision found south of Fort Worth in Crowley, will be finished in 2016. The subdivision has around 70 single-family homes that extent in cost from $105,000 to $150,000. Enclave at Wilshire Park, a subdivision situated in Euless in eastern Tarrant County close to the Dallas/Fort worth International Airport, is presently under development.

It is relied upon to incorporate 220 single-family homes, with deals costs extending from $200,000 to $250,000, and is planned for consummation by mid-2012. In July 2016, advancement started at Arbor at Willow Grove in southwest Fort Worth, with arrangements to fabricate an aggregate of 150 homes at a rate of 13 homes a month. The home deals costs will go from $150,000 to $205,000.

May 04

3 Useful Tips to Choose the Right Windows for Home’s Exterior

The headline of the article may seem to be weird, because we got accustomed to the fact that windows look the same on the outside and inside of the house. However, winnows experts from Guelph clarify this fact saying that today you can order windows that will have different appearance on the sides in order to match your style preferences. Windows in general can either complement and complete the appeal of your house on either side, or completely destroy the whole charm. Professionals explain that the greatest advantage of fiberglass windows is that when choosing them there is no need to sacrifice energy efficiency to the visual appeal or vice versa. Fiberglass windows options on Guelph market today have a great variety of choices in terms of colors, styles, shapes, sizes, and some extras such as grilles. Read the article below to make your new fiberglass windows an indispensable part of your home’s style.

Style

The range of architectural styles of the houses in Guelph is huge and each of them transforms any house once applied. For example, if you plan to remake your house and you prefer modern designs, then you need to know that modern implies large fixed windows to create glass walls. On the other hand, traditional homes regularly have standard size windows Guelph experts say, such as casements, double hung windows and a couple of awning windows here and there.

Exterior color

Depending on the style of your house and the dominating color you need to choose the color for your new windows. With fiberglass you can choose different colors for different parts of your house so that they will ideally complement interior and exterior designs. A great addition to the benefits of fiberglass windows, according to Guelph professionals, is that fiberglass is covered with special baked on paint finish, which means that the problems with peeling or chipping paint can be forgotten. Moreover, windows maintenance will no longer include re-painting process. Today there us no problem in choosing the appropriate color for your project as by mixing classic colors you can get any dye shade you need.

Extras: Grilles and Transoms

We got accustomed to the idea that grills are used only to raise security level of the house and transoms are only for extra ventilation. But windows professionals from Guelph explain that today such things have changed. Now a lot of people use these windows extras in order to make them look more beautiful and creative. Most frequently grilles are installed to complement traditional style in houses with small windows, however these additions can be applied to large windows in order to “break” their size. Transoms are common to add some mystery to the front doors and large windows for any home style.

Janet Thornton is established as a content producer for a line of online content hubs (including businesses like Can Choice Windows & Doors), who sheds light on a variety of home renovation topics and anything else related. A restless nomad of digital community and an influential figure in all things related to the home improvement projects.

Feb 23

Will You Still Need Me, Will You Still Feed Me, When I’m Sixty-Four

The American senior population has exploded as baby boomers turn 65. According to the US census report released in May of 2014, the aging population will almost double in size from the 2012 level of 43.1 million to 83.7 million by 2050. Among the millions, will be many that will need long term care. Who will supply that care if you should need it?

What care might you need? Did you rise out of bed this morning, hurry to the bathroom? Did you shower and dress? Did you feed yourself? These are the “acts of daily living” that we do every day without thinking about them. Insurance companies define acts of daily living as transferring, toileting, continence, bathing, dressing and eating. When you are unable to perform two of these activities, you may qualify for long term care.

I often joke as a mother of four, one of my children will take care of me. Hopefully, this will be the case. I have been diagnosed with osteoporosis and arthritis and I do not qualify for a long term care insurance.

I am an insurance agent who sells long term care insurance. Sadly, I have received calls inquiring about policy for a parent who has had a stroke or some other health issue that requires 24 hour care. Unfortunately, when you need long term care you don’t qualify for a long term care policy. So prepare! Explore your options.

Medicare and Medicaid, “government entitlement programs”, will pay for your medical care but they are not designed for long term care. However, Medicaid will pay for a nursing home, if your assets are not more than $2,000.

Here is a brief list of other options you may explore:

* A traditional long term care policy

* A universal life policy with a long term care rider

*A reverse mortgage

*Self insuring

What kind of care would you like? Do you want to be cared for in your home, an assisted living facility or a nursing home? Tour nursing homes and assisted living facilities in your area. The costs may surprise you. Investigate the cost of a home health aide or a sitter that can prepare meals and clean your home. Use these facts to estimate the $s needed to keep you in the style you are accustomed to.

Keep your golden years golden for you and your family and friends. That old adage, “Failing to prepare, is preparing to fail” rings true in this situation. Hopefully, we will live out the last years of our life in good health and conclude it with a peaceful death our own beds. But if not, you have a plan.

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